The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$133,177
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$137,320
−HK$4,208/mo
Today · 4.125%
HK$141,528
baseline
▲ 0.50% · 4.625%
HK$150,140
+HK$8,612/mo
Deposit HK$29.20M · loan HK$29.20M · min. income ≈ HK$283,056/mo (50% DSR)
Upfront cash ≈ HK$31.68M (deposit + AVD stamp duty HK$2,482,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,158
−HK$8,005/mo
▼ 0.25% · 3.875%
HK$152,132
−HK$4,031/mo
Today · 4.125%
HK$156,163
baseline
▲ 0.50% · 4.625%
HK$164,394
+HK$8,231/mo
Deposit HK$29.20M · loan HK$29.20M · min. income ≈ HK$312,326/mo (50% DSR)
Upfront cash ≈ HK$31.68M (deposit + AVD stamp duty HK$2,482,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,813
−HK$10,021/mo
▼ 0.25% · 3.875%
HK$164,784
−HK$5,050/mo
Today · 4.125%
HK$169,834
baseline
▲ 0.50% · 4.625%
HK$180,168
+HK$10,334/mo
Deposit HK$23.36M · loan HK$35.04M · min. income ≈ HK$339,668/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,482,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,790
−HK$9,605/mo
▼ 0.25% · 3.875%
HK$182,558
−HK$4,837/mo
Today · 4.125%
HK$187,395
baseline
▲ 0.50% · 4.625%
HK$197,273
+HK$9,878/mo
Deposit HK$23.36M · loan HK$35.04M · min. income ≈ HK$374,790/mo (50% DSR)
Upfront cash ≈ HK$25.84M (deposit + AVD stamp duty HK$2,482,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,448
−HK$11,692/mo
▼ 0.25% · 3.875%
HK$192,248
−HK$5,892/mo
Today · 4.125%
HK$198,140
baseline
▲ 0.50% · 4.625%
HK$210,196
+HK$12,056/mo
Deposit HK$17.52M · loan HK$40.88M · min. income ≈ HK$396,280/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$2,482,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,421
−HK$11,207/mo
▼ 0.25% · 3.875%
HK$212,984
−HK$5,644/mo
Today · 4.125%
HK$218,628
baseline
▲ 0.50% · 4.625%
HK$230,152
+HK$11,524/mo
Deposit HK$17.52M · loan HK$40.88M · min. income ≈ HK$437,256/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$2,482,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,719
−HK$15,032/mo
▼ 0.25% · 3.875%
HK$247,175
−HK$7,576/mo
Today · 4.125%
HK$254,751
baseline
▲ 0.50% · 4.625%
HK$270,252
+HK$15,501/mo
Deposit HK$5.84M · loan HK$52.56M · min. income ≈ HK$509,502/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,482,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,685
−HK$14,408/mo
▼ 0.25% · 3.875%
HK$273,837
−HK$7,256/mo
Today · 4.125%
HK$281,093
baseline
▲ 0.50% · 4.625%
HK$295,910
+HK$14,817/mo
Deposit HK$5.84M · loan HK$52.56M · min. income ≈ HK$562,186/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,482,189 · Scale 2, in force from 26 Feb 2026)